<ARTICLE>                                          9
       
<MULTIPLIER>                                   1,000
                                                      
<PERIOD-TYPE>                                6-MOS          YEAR
<FISCAL-YEAR-END>                            DEC-31-1996    DEC-31-1995
<PERIOD-END>                                 JUN-30-1996    DEC-31-1995
<CASH>                                         4,814          3,270
<INT-BEARING-DEPOSITS>                             0              0
<FED-FUNDS-SOLD>                               4,690          4,413
<TRADING-ASSETS>                                   0              0
<INVESTMENTS-HELD-FOR-SALE>                  113,286        113,568
<INVESTMENTS-CARRYING>                        83,041         72,335
<INVESTMENTS-MARKET>                          82,511         73,591
<LOANS>                                      307,044        294,432
<ALLOWANCE>                                    3,324          3,217
<TOTAL-ASSETS>                               522,811        497,290
<DEPOSITS>                                   386,243        377,975
<SHORT-TERM>                                  48,813         23,250
<LIABILITIES-OTHER>                            2,313          2,006
<LONG-TERM>                                    4,000          6,000
<PREFERRED-MANDATORY>                              0              0
<PREFERRED>                                        0              0
<COMMON>                                         518            285
<OTHER-SE>                                    80,924         87,774
<TOTAL-LIABILITIES-AND-EQUITY>               522,811        497,290
<INTEREST-LOAN>                               13,282         25,140
<INTEREST-INVEST>                              6,859         12,543
<INTEREST-OTHER>                                   0              0
<INTEREST-TOTAL>                              20,141         37,683
<INTEREST-DEPOSIT>                             9,173         17,260
<INTEREST-EXPENSE>                            10,414         19,212
<INTEREST-INCOME-NET>                          9,727         18,471
<LOAN-LOSSES>                                     60            255
<SECURITIES-GAINS>                                91            209
<EXPENSE-OTHER>                                5,200          9,084
<INCOME-PRETAX>                                5,090         10,186
<INCOME-PRE-EXTRAORDINARY>                     5,090         10,186
<EXTRAORDINARY>                                    0              0
<CHANGES>                                          0              0
<NET-INCOME>                                   3,319          6,474
<EPS-PRIMARY>                                    .62           1.11<F1>
<EPS-DILUTED>                                    .61           1.11<F1>
<YIELD-ACTUAL>                                 08.13          08.10
<LOANS-NON>                                    2,475          2,453
<LOANS-PAST>                                     185            145
<LOANS-TROUBLED>                                   0              0
<LOANS-PROBLEM>                                    0              0
<ALLOWANCE-OPEN>                               3,217          3,054
<CHARGE-OFFS>                                     12            154
<RECOVERIES>                                      59             62
<ALLOWANCE-CLOSE>                              3,324          3,217
<ALLOWANCE-DOMESTIC>                           1,643          1,839
<ALLOWANCE-FOREIGN>                                0              0
<ALLOWANCE-UNALLOCATED>                        1,681          1,378

<FN>
<F1>  Restated for two-for-one stock split paid June 5, 1996.
</FN>